The driver sticks to the rules of your policy.

Can a person not on my insurance drive my car. Car Insurance applies to the vehicle. Or contacting your insurer to add them as a named driver is usually a straightforward task. Unless the person is a car thief it is hard to show that the person did not have permission to drive the vehicle.

Liability claims if youre held responsible for an accident causing damage to another persons vehicle or injury to other people. Every insurer has their own rules but in general if someone borrows your car once or twice a week you should add them to your policy but if they borrow your car once every month or two you probably will not. Think of it this way.

The main driver is the person who is legally responsible for the car and who signs the contract usually called the rental agreement. You can contact your insurance company and request the right type of coverage. Usually yes your car insurance coverage should extend to anyone else driving your car.

An occasional or secondary driver is added onto the car insurance policy because they use the car once in a while. Is it legal for someone to drive my car who is not on my insurance policy Generally its not a problem if theyre driving with your consent says Jeanne Salvatore Senior Vice President of Public Affairs and consumer spokesperson for the Insurance Information Institute. So Can Someone Drive My Car If They Are Not on My Insurance.

Once you understand how your company defines an insured driver you will have a better idea if you can drive a car if your name is not on the insurance. So can someone not on your insurance drive your car. Usually this is the person who made the booking.

If someone borrows your car and crashes it your insurance will cover the losses however your premiums may increase. While every insurance company has its own set of requirements that specify when you need to identify someone as an occasional driver on your car insurance policy heres the general rule of thumb. Insurance companies may refer to car insurance as property and casualty insurance.